Expenses: November 2015

ExpensesExpense report!  Since I’m a total voyeur for finance, these types of details are exactly the kind that I love to read on other people’s blogs.

Don’t get me wrong though, these numbers are primarily written for me and Mrs. Dragon.  Every good FIRE breather knows that to be successful, you have to track your expenses. You have to track them like Santa tracks who’s naughty and nice.

How else will you know when your Hoard is big enough?

Without further ado, here are the numbers for November (rounded to the nearest dollar):

Mortgage: $694

Groceries: $343

Utilities (electric, gas, water, sewer, trash, internet): $107

Cell phones: $46

Netflix: $9

Gym: $8

Restaurants/fast food/bars: $321

Insurances (car, personal property, life, dental): $64

Gas: $82

Home improvement: $0

Travel: $784

Healthcare: $27

Entertainment: $60

Hobbies: $100

Gifts/Charity: $41

Goblins: $118

TOTAL: $2804

The Goblins category is a catch-all for stuff that we don’t always spend money on.  All the little budget goblins that steal our money throughout the month.  This month it included an oil change, a new tire (we ran over a huge nail in the road apparently), tolls, christmas cookie cutters, wool socks, and fleece lined gloves.

The gloves and socks were for a really good price and since we bike to work in the cold weather, I figured I would go ahead and pull the trigger. Our hands are usually the worst for being cold on the bike ride so I’m hoping that the extra lining in the gloves will keep us a little warmer.

We visited Mrs. Dragon’s family over the Thanksgiving holiday (7 hours each way), so we spent extra money on gas and tolls.  We also treated her parents to dinner one night, which upped our restaurant category this month. However, as I’ve said before, this is money we love spending. The whole reason we watch our money is so that we can spend it on things that matter to us.  Dinner and time with family?  Yes and please.

Spending at bars was also up this month because it included several transactions that were made on my visit at the end of October to my buddy’s wedding. Naturally we went out a few times over the course of the celebratory visit, and I bought him and his fiance some drinks. However, this spending also falls firmly in line with our priorities.  It’s nice to splurge on loved ones during special occasions.

The travel amount is for the two Christmas plane tickets I mentioned in the last expense report.  Again, money for time with family is money well spent. I was hoping we would be able to travel hack our way to these tickets, but I wasn’t on top of it.  Maybe next year.

Gifts this month was for bonuses at work.  Our department all chips in some money for the office coordinator, janitor, and student worker.  Nothing fancy, but we contributed the “recommended gratuities.”

The entertainment line is for nutcracker tickets.  I’ve mentioned a few times that Mrs. Dragon is in a local production of the nutcracker and we went ahead and bought tickets for me and a guest for one of the shows.

Speaking of ballet, the $100 on hobbies is for 10 classes at Mrs. Dragon’s adult ballet class.  She loves going and it’s regular exercise. Win-win.

The healthcare money was a copay for a dentist’s visit.  No cavities!

Otherwise things were just business as usual.  Spending was high this month, but it was pretty expected considering the road trip and the plane tickets. Thus ends our streak of several months under the $2000 mark.

Now if we can just navigate December without spending more than about $2500 I’ll be satisfied with our holiday spending.

Have the holidays started affecting your spending yet? How do you curb spending on gifts/travel this time of year?

 

The Basics
The Hoard: December 2015

6 thoughts on “Expenses: November 2015

    • Yep, $46 is for both phones. Our carrier is Republic Wireless (probably not available in Canada 🙂 ). Basically it’s a phone service that encourages you to use WiFi for most of your data to keep their costs in check. However, it’s unlimited everything. We’ve had them for about 2-3 years and have really like them.

      • That’s incredible. I don’t think we have Republic Wireless, but we do have some other discount carriers that we keep meaning to investigate. We have started to make an effort to use WIFI as much as possible to see how difficult it is, and really it is not so hard. It’s available for free so many places now.

        • Do it, Jess! I know it seems like a hassle, but if you aren’t under contract you should definitely shop around. Maybe if you have some down time over the holidays you can scope out some of those discount carriers. I’ll be rooting for you!

  1. It seems like our priorities line up. I don’t mind spending on travel, and on special events with friends and family. I kept my expenses really low in November due to work travel and being out of town for Thanksgiving (with a flight purchased months in advance). December will uptick some some more travel that was not prepaid and some gifts.

    • Sounds right to me. Friends, family, and travel are all things that are important to us and we spend on those things when we want/need to. I also expect December to be a little more pricey than normal, but I’m hoping it won’t be too bad since our plane tickets are already out of the way. Happy Holidays!

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